Submitted Items
The appraisers identify the specific scope and pricing differences that need an umpire’s decision.
Insurance appraisal umpire
Umpire Services
Neutral review of unresolved scope and pricing items in residential and commercial property insurance appraisals.
What this means
Used whenThe two appraisers have exchanged positions but still disagree on specific scope or pricing items.
A neutral review of the items the appraisers could not resolve.
The umpire is the neutral third member of the appraisal panel. After the two appraisers identify the items they cannot agree on, the umpire reviews both positions and the supporting information. A property inspection may be completed when it will help resolve the dispute. The umpire then makes an independent decision on the submitted items.
Independent review
The remaining items deserve a close look.
The umpire reviews the disputed conditions, the support from each appraiser, and the repair issues that still separate the parties. The decision should be clear, focused, and tied to the record.
What we look at
A neutral review of the remaining dispute.
The umpire does not restart the claim. The review stays centered on the items submitted by the appraisers and the information needed to decide them.
Both Positions
Each appraiser has a fair opportunity to provide estimates, photographs, reports, measurements, and an explanation.
Relevant Conditions
The property is inspected when seeing the conditions will add useful information to the review.
Independent Decision
Each submitted item is evaluated and addressed in a written decision or appraisal award.
What you receive
A fair process and a clear decision.
The process, requested information, and fee are explained before the review begins. The fee depends on the property, the number of disputed items, travel, and the work required.
Clear instructions for both appraisers
Neutral review of both positions
Property inspection when needed
Item-by-item evaluation
Written decision or appraisal award
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